Proof of Loss: What It Is, What Goes In It, and When It Is Due
A proof of loss is your sworn statement of what was damaged and what you are claiming - the document that turns a reported claim into a demand your insurer has to answer in writing. Here is what goes in one, what the deadline actually is in your state, and the clocks that start the day you send it.
Recoverable Depreciation: What It Is and How to Get It Back
Your claim estimate shows replacement cost, subtracts depreciation, and pays you the difference first. That withheld amount is usually yours - held back until the work is finished and proven. Here is how the holdback works, how to get it released, and the deadline that costs people the money.
Public Adjuster vs Insurance Adjuster: Who Each One Actually Works For
Three kinds of adjuster can show up on a property claim and two of them are paid by your insurer. The difference is not a matter of opinion - four of the five states we work in write it into the statutory definition, and Wisconsin excludes anyone who represents an insurer from being a public adjuster at all.
Does Homeowners Insurance Cover Ice Dams? What Pays, What Doesn't, and Who Pays for Removal
A standard homeowners policy treats an ice dam as two things and pays for one of them: the water damage inside, not the ice on the roof. There is an argument that moves the removal bill onto the claim, and a denial word - maintenance - that your insurer is not allowed to leave undefined.
How Much Does a Public Adjuster Cost? Fees and Caps in FL, MN, WI, ND and SD
A public adjuster charges a percentage of what the claim pays, not an upfront fee. What that percentage can be is capped by statute in Florida, Wisconsin and North Dakota, and what it is charged on matters as much as the rate. Here is the fee law in all five states we serve.